Mr. Vasileios Madouros:

I agree with Ms Rowland that it would be useful to follow up on this matter.

On how the system is meant to operate in terms of the Central Credit Register, as Ms Rowland said, the register does not produce credit scores but factual information. Operational things happen sometimes so there is already, I think, one month's grace period where a missed payment is not recorded. With the transfers last year, we engaged with lenders. We made it very clear that if a politician or a customer says that something is happening because of transfers, then once that has been sorted out, it should not be recorded in the Central Credit Register.